With healthcare cost rising, a good health insurance policy is a must. HFC Insurance can provide you with a wide range of individual insurance options. One option is a Marketplace plan, AKA “Obamacare”. There are a few things to consider when enrolling in these plans.
I am very happy with the service you offered me. Lora Macy is the sweetest & most understanding insurance agent I have ever had to deal with. Thank you for helping with my insurance needs. It has been a very long time since I have had health insurance & so grateful to Lora Macy & BCBS for safeguarding me & my health & medical needs! Thank you again!!!!
Phyllis Pinion
The idea of the Affordable Care Act was to make health insurance more affordable. The idea of making health insurance more affordable is really trying to make “healthcare” more affordable. That’s a different discussion. To make health insurance more “affordable”, the law allowed for subsidies to help individuals pay for health insurance. These subsidies are based on your family income. When you meet with one of our expert agents, you must estimate what you incomes will be for the following year. When you file your tax return the following year with the IRS, this is how they determine what subsidy amount you qualified for during the previous year.
Over time, carriers have gotten away from offering Marketplace plans. Because of that, there are not a lot of carriers to choose from. In order to help keep costs down and lower reimbursement rates for doctors, networks are smaller than if you were on an employer plan with the same carrier. It is important to make sure your doctors are in the network and who you think you would like to see down the road is in there too. You may be healthy today, but you don’t know what tomorrow holds.
When anyone looks at insurance, their main objective should be looking to protect their financial risk. Everyone has a different risk tolerance. Things to consider when enrolling in a health insurance plan are:
As you see, there are some important decisions to be made. Don’t purchase your Marketplace plan online. Most people are not educated on the ins and outs of insurance. When you purchase your coverage online, you are left to manage your policy by yourself. Allow our trained professionals to help you in the comfort of our office. As a result, you become our client and not just another number to the government. There’s no cost difference in your plan for allowing our trained professionals to assist you. Allow us to serve you. As you notice below, our agency is recognized in the Elite Marketplace Circle of Champions. You will not regret it! To help you understand your policy, we have developed a Learning Hub. Within that Learning Hub is an educational section called Health Insurance Resources. Go there to educate yourself on how the Marketplace operates and what to look for in a health insurance plan.
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HFC Insurance
304 N Main St, Lancaster SC 29720
803-286-1161
